Call reports 2010
AVON STATE BANK — 2010
What AVON STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 102,215,000 | 102,027,000 | 101,131,000 | 102,542,000 |
| Total loans | 58,914,000 | 58,118,000 | 56,840,000 | 56,264,000 |
| Allowance for loan losses | 1,202,000 | 1,350,000 | 1,140,000 | 1,209,000 |
| Securities available for sale | 23,503,000 | 22,893,000 | 27,405,000 | 30,130,000 |
| Securities held to maturity | 1,540,000 | 1,539,000 | 1,537,000 | 1,506,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,179,000 | 89,959,000 | 88,721,000 | 90,491,000 |
| Interest-bearing deposits | 81,460,000 | 80,189,000 | 78,398,000 | 79,534,000 |
| Noninterest-bearing deposits | 8,719,000 | 9,770,000 | 10,323,000 | 10,957,000 |
| Equity capital | 11,766,000 | 11,846,000 | 12,205,000 | 11,862,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,103,000 | 2,175,000 | 3,335,000 | 4,279,000 |
| Interest expense | 350,000 | 671,000 | 959,000 | 1,217,000 |
| Net interest income | 753,000 | 1,504,000 | 2,376,000 | 3,062,000 |
| Noninterest income | -36,000 | -39,000 | -18,000 | 37,000 |
| Noninterest expense | 424,000 | 942,000 | 1,506,000 | 1,950,000 |
| Provision for loan losses | 45,000 | 240,000 | 240,000 | 305,000 |
| Pretax income | 248,000 | 283,000 | 612,000 | 844,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | 247,000 | 282,000 | 611,000 | 843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,582,000 | 11,440,000 | 11,671,000 | 11,903,000 |
| Total capital | 12,250,000 | 12,100,000 | 12,325,000 | 12,553,000 |
| Risk-weighted assets | 52,945,000 | 52,086,000 | 51,710,000 | 51,453,000 |